The Capricornian Products

Capricornia Credit Union first opened its doors in Rockhampton, Queensland in 1959. Since then it has evolved into a full service financial institution and operates out of eight branches throughout Central Queensland. Over the decades Capricornia CU’s commitment to customer service and great value products has remained unchanged. They continue to deliver their home loan, savings and investment products and services with optimum performance in order to distinguish themselves from their competitors.

This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about products from multiple financial institutions. We will try to show you a range of products in response to your request for information. The search results do not include all providers and may not compare all features relevant to you, for further details refer to our FSCG. The rating shown is only one factor to take into account when considering these products. See the rating methodology. We not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a product, you will deal directly with a financial institution, and not with RateCity. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. See our terms of use for further details. This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

How we make money

First & foremost, RateCity is a financial comparison website that is free for consumers to use.

We make money by generating qualified leads for financial institutions. A lead is generated when our users visit a financial institution's website via a link from the RateCity website. If you visit a bank's website via RateCity, we may get paid either for that click itself, or more likely, for you "doing something" with the institution - for example, opening an account, or completing an application form on the bank's website. If you apply for health insurance via RateCity, we will be paid a fee by the health insurer if your application is accepted and the policy is issued.

We also generate revenue from display advertising, which are the graphical ads you see on many websites.

Sometimes, there are institutions which don't appear in our search results, and this can be for one of three reasons:

Some institutions are not in a position to accept online leads because, for example, they can only deal with customers from a certain industry, or from a very defined part of Australia, or because they might not be able to process any new customers at all for a period of time.

Some institutions simply won't allow RateCity to get access to their data - this is the case with some car insurance companies, for example.

And sometimes, some institutions aren't willing to pay anything for successful leads - so from time to time, we'll exclude them from our search results if we believe that we can still offer users a good set of search results.

If institutions aren't displayed in our search results, you can generally find their products in RateCity's "A-Z directory".

We try to offer as comprehensive a list as possible of the most competitive rates for all products. We review it daily, and we are confident that consumers see a fair & reasonable set of search results for the best rates or products.

RateCity has two licences issued by the Australian Securities and Investments Commission (ASIC) - an Australian Financial Services Licence, and an Australian Credit Licence.

Financial comparison is a new sector in Australia. It's growing and we're able to offer consumers more information and therefore more choice which leads to greater competition in the financial services industry.

Click this link for more information About RateCity including our licence numbers and frequently asked questions. You should also read an important document called our Financial Services and Credit Guide, which explains our business in even more detail.